Keystone Property Finance has brought back fixed rate options across its buy-to-let range, widening choice for brokers after a period of market volatility.

The lender has reintroduced two-year and five-year fixed rates across its core propositions, having withdrawn them in March amid rapidly shifting conditions.

The move follows the launch of a range of two-year tracker products last week, designed to give brokers greater flexibility while pricing remained unsettled.

With fixed rates now reinstated, Keystone is offering products across its Standard, Specialist, Ex-pat, Holiday Let, Product Transfer and PT Plus, and Refurb to Let Exit ranges.

Rates on the refreshed fixed rate products start from 3.54% at 70% loan to value for Standard cases, rising to 3.59% for Specialist products at the same LTV. Ex-pat deals begin at 4.89% at 65% LTV, while Holiday Let products start from 5.64% at 65% LTV.

Product Transfer and PT Plus, along with Refurb to Let Exit products, both start from 5.14% at 65% LTV.

The lender continues to offer its recently launched two-year tracker products at 65% and 75% LTV, with pricing from Bank of England base rate plus 1.89% and 1.99% respectively.

Borrowers taking tracker products will also be able to move onto a fixed rate through Keystone’s Switch & Fix facility after Easter, providing an additional route to longer-term certainty.

Elise Coole (pictured), managing director at Keystone Property Finance, said: “Throughout the past month of rapidly changing market conditions, our focus has been to ensure brokers continue to have access to the best options for their landlord clients.

“Adding tracker products into our range last week provided immediate flexibility. The reintroduction now of fixed rates and upcoming Switch & Fix facility gives brokers greater choice when exploring both short and longer-term solutions.

“As a lender, it’s important we remain responsive to changing conditions. By adapting our product range, we’re helping brokers continue to place cases with confidence.

“We will monitor the market closely and will act quickly where needed, with the aim of providing brokers with the support and product breadth they need and expect from Keystone.”

MARKET RESPONSE DRIVES PRODUCT RETURN

The reintroduction of fixed rates reflects a degree of stabilisation following recent disruption, with lenders adjusting pricing and product availability in response to wider economic pressures.

Keystone’s approach highlights the balance lenders are seeking between offering flexibility through trackers and restoring fixed rate certainty as conditions allow, particularly for buy-to-let investors navigating changing cost assumptions.

For brokers, the return of fixed rates alongside tracker options provides a broader toolkit when advising landlord clients on both short-term positioning and longer-term planning.